Tuesday, October 9, 2007

The Plan

Ah, so I am settling in for the evening and getting ready for tomorrow. I am not exactly celebrating World Mental Health Day, but I am doing a guided visualization session. I had had another planned, but have changed it in honor of the day. As you may know if you have been reading this blog, one of my big philosophies is to have a plan. It can allow for a certain amount of impromptuness, but it is good to know your options in advance, and planning is what brings about change. For the visualization I believe my focus will be on creating a plan for peace, for being peaceful in a way that one may not have explored before.

This all came to fruition earlier today when a client was stressing over the idea of buying a house, or more apt the mortgage process. I agree that mortgages can seem a bit evil in their way - lots of paper trails, financial words, and big numbers. We are working with some self-hypnosis techniques (auto-suggestion) to turn this event into a positive one rather than the tiresome one it has been.

In brainstorming about this over tea, the only thing I could really offer was to learn as much about home loans and mortgage rates as possible. There are several types including fixed mortgages (one rate paid monthly over a specific period of time, i.e. 15, 30, or 60 years), and then within this there are conforming loans and non-conforming loans. It gets tad complicated here. There are also adjustable rate mortgages (ARM - where the rate remains the same for a certain period of time and then the rate fluctuates depending on the economic index - what?). These are just the basics. But, if you know about them, you can, you guessed it - plan. A reference for these is at www.myhomeloanmortgages.com. They explain all this in more detail, plus offer advise depending upon your location. There are also mortgage calculators available on the site to give you an idea what you might pay in various situations.

So, plan, plan and plan or another way of looking at it is to set the intention. Set the intention to know enough about, say, mortgages to understand what a mortgage broker or real estate agent should tell you. Less stress. Better life.

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